Koontz Lake, IN
Koontz Lake, IN's wildfire risk, in USFS's own numbers
Koontz Lake sits at the 17th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 1,298 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Koontz Lake at the 17th percentile, close to its 17th-percentile risk score.
Koontz Lake's building exposure, zone by zone
Of Koontz Lake's 1,298 counted buildings, 54.7% carry Direct exposure and only 10% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Koontz Lake against the rest of the country
Koontz Lake's 72nd-percentile standing inside Indiana outpaces its 17th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Koontz Lake ranks 26,183 for wildfire risk (1 is highest) and 10,080 by building count (1 is largest). Within Indiana alone, it ranks 275 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
Koontz Lake's low wildfire rating (17th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Koontz Lake (54.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Koontz Lake's figures come from
The methodology guide shows exactly how USFS turned 1,298 counted buildings into the percentiles shown above for Koontz Lake. The exposure-zones guide covers what Koontz Lake's dominant direct exposure actually means, with real examples from across the dataset.